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Flood insurance cost · AZ

Flood insurance cost in Arizona

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 16,624 home policies in force on August 31, 2026.

ArizonaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$984a year

Half of insured homes paid between $752 and $1,267. That is 9% less than the national median ($1,082). The most common flood zone for insured homes here is zone AE (33%).

$0$752 · $984 · $1,267$1,584
+7.4% vs Aug 31, 2025 (median $916)
16,624home policies in force
$1,126average cost (mean)
70%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Arizona, county by county.

Cost by flood zone in Arizona

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,118$810–$1,641$1,3855,411 (33%)+7.5%
Zone A
High risk		$950$730–$1,277$1,0961,597 (10%)+6.9%
Zone AO
High risk, shallow		$897$703–$1,101$9574,042 (24%)+10.9%
Zone AH
High risk, shallow		$846$693–$1,018$966539 (3%)+6.0%
Zone X
Moderate to low risk		$1,017$748–$1,233$1,0104,972 (30%)+9.5%
Zone D
Undetermined		$893$646–$1,160$1,10463 (0%)+7.3%

Not shown (fewer than 10 home policies): VE, A99/AR. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Arizona, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home14,566$987$1,134
2–4 unit building411$1,097$1,186
Manufactured (mobile) home1,194$1,058$1,224
Condo or apartment unit453$492$565
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		797$1,643$2,032
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,932$1,580$2,136
19,353NFIP policies in force, any building
21,864insured units (condo association policies count every unit)
60%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Arizona

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force17,56216,624−5.3%
Median annual cost$916$984+7.4%
Average annual cost$1,039$1,126+8.4%
All policies in force (any building)20,35119,353−4.9%

Flood claims history

Since 1978, NFIP policyholders in Arizona have filed 5,336 flood claims. 3,550 received a payment, for a total of $62.9 million (an average of $17,719 per paid claim). The year with the most claims was 1983 (507 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 465 claims, 376 paid, $3,169,428 in total19781979: 84 claims, 48 paid, $227,075 in total1980: 343 claims, 279 paid, $2,534,302 in total19801981: 122 claims, 87 paid, $217,551 in total1982: 49 claims, 29 paid, $112,347 in total1983: 507 claims, 369 paid, $5,628,999 in total19831984: 190 claims, 110 paid, $398,705 in total1985: 25 claims1986: 69 claims, 46 paid, $265,025 in total1987: 53 claims, 14 paid, $35,714 in total1988: 76 claims, 58 paid, $258,840 in total1989: 37 claims, 17 paid, $85,567 in total1990: 230 claims, 165 paid, $1,233,472 in total19901991: 16 claims1992: 137 claims, 98 paid, $810,092 in total1993: 435 claims, 306 paid, $4,473,950 in total19931994: 28 claims, 22 paid, $165,854 in total1995: 90 claims, 68 paid, $643,367 in total1996: 27 claims, 15 paid, $538,523 in total1997: 49 claims, 35 paid, $244,494 in total1998: 60 claims, 32 paid, $260,798 in total1999: 53 claims, 22 paid, $161,733 in total2000: 62 claims, 40 paid, $382,775 in total20002001: 27 claims, 14 paid, $80,152 in total2002: 68 claims, 37 paid, $406,669 in total2003: 80 claims, 37 paid, $489,880 in total2004: 115 claims, 88 paid, $1,876,249 in total2005: 84 claims, 56 paid, $1,085,565 in total2006: 110 claims, 82 paid, $2,339,915 in total2007: 124 claims, 75 paid, $2,216,403 in total2008: 67 claims, 34 paid, $788,001 in total2009: 40 claims, 17 paid, $609,779 in total2010: 160 claims, 101 paid, $3,355,995 in total20102011: 43 claims, 18 paid, $214,481 in total2012: 46 claims, 20 paid, $414,702 in total2013: 59 claims, 40 paid, $1,226,424 in total2014: 287 claims, 192 paid, $8,222,332 in total2015: 43 claims, 24 paid, $356,965 in total2016: 121 claims, 79 paid, $1,929,154 in total2017: 50 claims, 27 paid, $1,148,187 in total2018: 94 claims, 57 paid, $1,713,247 in total2019: 73 claims, 38 paid, $2,396,498 in total2020: 19 claims20202021: 164 claims, 111 paid, $3,719,266 in total2022: 105 claims, 70 paid, $2,907,140 in total2023: 61 claims, 25 paid, $1,010,972 in total2024: 13 claims2025: 61 claims, 41 paid, $2,195,542 in total2026: 15 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202615<10––
20256141$2,195,542$53,550
202413<10––
20236125$1,010,972$40,439
202210570$2,907,140$41,531
2021164111$3,719,266$33,507
202019<10––
20197338$2,396,498$63,066
20189457$1,713,247$30,057
20175027$1,148,187$42,525
201612179$1,929,154$24,420
20154324$356,965$14,874
2014287192$8,222,332$42,825
20135940$1,226,424$30,661
20124620$414,702$20,735
20114318$214,481$11,916
2010160101$3,355,995$33,228
20094017$609,779$35,869
20086734$788,001$23,176
200712475$2,216,403$29,552
200611082$2,339,915$28,536
20058456$1,085,565$19,385
200411588$1,876,249$21,321
20038037$489,880$13,240
20026837$406,669$10,991
20012714$80,152$5,725
20006240$382,775$9,569
19995322$161,733$7,352
19986032$260,798$8,150
19974935$244,494$6,986
19962715$538,523$35,902
19959068$643,367$9,461
19942822$165,854$7,539
1993435306$4,473,950$14,621
199213798$810,092$8,266
199116<10––
1990230165$1,233,472$7,476
19893717$85,567$5,033
19887658$258,840$4,463
19875314$35,714$2,551
19866946$265,025$5,761
198525<10––
1984190110$398,705$3,625
1983507369$5,628,999$15,255
19824929$112,347$3,874
198112287$217,551$2,501
1980343279$2,534,302$9,084
19798448$227,075$4,731
1978465376$3,169,428$8,429

From 2016 to 2026: 776 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Arizona

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Apache County30$1,178
Greenlee County13$1,269

ZIP codes with the most insured homes